Đại học Ngân Hàng TP HCM Lớp :Cao học 11B1(Niên khóa:2009-2012) Họ và tên:Trần Huệ Chi Kiểm tra môn :Anh Văn Speaking Topic: PERSONAL ACCOUNT: DEPOSIT ACCOUNT FOR PAYMENT I/-Hi everybody!My name ‘s Hue Chi.I’m working for the VCB HCM.You know,there ‘re many types of the personal account and today, i ‘m speaking about one of them.This is the deposit account for payment.It ‘s a professional instrument for customer’s payment and money management on the new modern banking technology basic.It has 4 benefits: 1-Convenient account using 2-Safe transaction 3-Financial effect 4-Added values II/1- Convenient account using: . Time saving, no risk of fake money. . Easy account opening procedure, simple transaction method, caring bankers. . Free account opening. . Fast and safe payment thanks to the wide network of the bank. . To transfer from deposit account to saving account and vice versa. . To use the account balance for mortgage and loan. .To certify the financial capacity of person traveling and studying oversea. .Non-cash payment service with many branches nation-wide: to be entitled to use personal account to receive any income, payment (for customer or partner) by check, order for payment, order for receipt .The account holder is entitled to deposit or withdraw cash and time bank notes 2-Safe transaction: .Information regarding to customers’ deposit will be treated strict confidential. Deposit insurance is bought by the bank at the deposit insurance company. .Personal information is best secured. 3-Financial effect: .Attracting interest rate. 4-Added values: .Bases for overdraft limits provision. .To issue debit card .To authorize the bank to settle regular payments such as electricity bill, water bill, telephone bill, house rents, newspaper subscription; receive salary, retirement money or any legal income .Account up-to-date balances/recent transactions and fund transfers will be automatically updated to you instantly/in the same day with the bank service via access channels:website,e-mail,mobilephone and fixed phone III/Nowaday,the deposit account for payment is a useful instrument in your life and work.With 4 features that i have introduced to you,the deposit account for payment helps you to save time and money and all your work ‘ll be better. Thanks for your listening. 05.02.10 . Đại học Ngân Hàng TP HCM Lớp :Cao học 11B1(Niên khóa:2009-2012) Họ và tên:Trần Huệ Chi Kiểm tra môn :Anh Văn Speaking Topic: PERSONAL ACCOUNT: DEPOSIT. account using 2-Safe transaction 3-Financial effect 4-Added values II/1- Convenient account using: . Time saving, no risk of fake money. . Easy account opening procedure, simple transaction method,. the bank. . To transfer from deposit account to saving account and vice versa. . To use the account balance for mortgage and loan. .To certify the financial capacity of person traveling and